Winter is here, and it’s a great time to hit the trails! If you’re looking to purchase a snowmobile or are already getting yours ready for the season, make sure you’re covered with more than a warm coat. What if your snowmobile is stolen or you injure someone while out on a ride? Typical homeowners insurance policies may not help with a replacement, repairs or medical costs for a rider’s injuries. Snowmobile insurance is a great idea to get the specialized coverage that you may require. Learn more about what snowmobile insurance can offer in this easy breakdown so that you can stay chill while sledding.


Just like with car insurance, your state may require you to at least have a liability policy for your snowmobile. This is to help ensure that if you are at fault in an accident with someone else, their damages and injuries will be covered. Also, if your family is heading to a park or resort for sledding, check its rules to see what insurance you may need in place before you ride.


In case of an accident – whether you or another rider caused it – collision insurance may help with your repairs and medical costs. You may also be covered in case of one-driver accidents, such as crashing into a tree. Talk to your insurance agent about the specific scenarios where your policy protects you.

Bodily Injury

Sledding can be a lot of fun and a great way to enjoy the winter weather, but before a potential accident occurs, you’ll want to consider having coverage that helps with medical costs for you and your family. Discuss the limits in your policy with your agent when it comes to injuries.


This coverage option protects your snowmobile against damages caused by theft, fire, vandalism and collision with an animal in addition to other common perils.

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Uninsured Riders

If you are hit by another snowmobile rider or you are driving with a passenger on your snowmobile who is uninsured or underinsured, this option may help cover injuries and damages that are either not fully covered by the other rider’s insurance policy or not covered at all.


Some snowmobile coverages may include protection for your safety gear, such as your helmet and gloves, as well. You can get more details from your agent about what safety accessories are included in your policy.

Extra Equipment

This can be an option if have additional equipment to go with your sled, like windshields, plows, seating or trailers to tow behind your snowmobile. Also, your insurance company may offer coverage specific to the trailer you use to transport your snowmobiles from your home to recreational areas.

There are different coverage options for snowmobiles, depending on which insurance company you choose. Whether you want a year-round policy, increased liability limits or just the basics, HomeFirst® Agency wants you to find the best policy for you and your snowmobile use. Ride safely and stick your landing with the right snowmobile insurance.

Are You Ready for Winter? Check Out Our Winter Driving Safety Tips.